Sound Financial Bancorp, Inc. (SFBC) vs Winchester Bancorp, Inc. (WSBK)

Sound Financial Bancorp, Inc. and Winchester Bancorp, Inc. are both Banks Regional companies. Sound Financial Bancorp, Inc. and Winchester Bancorp, Inc. are of similar size ($116.0M and $111.8M). Sound Financial Bancorp, Inc. trades at the lower P/E: 13.9× against 26.4×. Winchester Bancorp, Inc. grew revenue faster over the last twelve months: 16.1% against −0.76%. Sound Financial Bancorp, Inc. has the higher net margin (12.8% vs 8.56%) and the higher return on invested capital (1,916.1% vs 1.64%). Across the 16 metrics below, Sound Financial Bancorp, Inc. leads on 12 and Winchester Bancorp, Inc. on 4.

Valuation

Metric SFBC WSBK Banks Regional median
P/E 13.95 26.39 11.98
P/S 1.79 2.25 2.34
P/B 0.99 0.96 1.19
Price to free cash flow 15.21 22.07 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.17% 3.79% 8.23%
Free cash flow yield 6.57% 4.53% 9.08%

Profitability

Metric SFBC WSBK Banks Regional median
Gross margin 64.69% 50.85% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.84% 8.56% 18.66%
Free cash flow margin 11.77% 10.17% 21.11%
Return on equity 7.33% 3.75% 10.65%
Return on assets 0.75% 0.43% 1.13%
Return on invested capital 1,916.08% 1.64% 8.35%

Growth

Metric SFBC WSBK Banks Regional median
Revenue growth (TTM) (0.76%) 16.05% 6.98%
EPS growth (last fiscal year) 53.89% 590.00% 18.88%
Revenue growth, 5-year CAGR 7.74% — 12.38%
Net income growth, 5-year CAGR (4.41%) — 9.71%

Health

Metric SFBC WSBK Banks Regional median
Debt to equity 0.07 1.31 0.22
Current ratio 1.08 1.15 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric SFBC WSBK Banks Regional median
Dividend yield 1.88% — 2.57%
Payout ratio 0.26 — 0.30

Size

Metric SFBC WSBK Banks Regional median
Market cap 111.79m 115.95m 913.33m

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